Seller Guide - Cross Country Mortgage

DELDI ORT EG O N

Your Home Selling Guide

G R O U P

DEAR VALUED CLIENT, We want to thank you in advance for taking the time to read this magazine a n d co n s i d e r i t s i nfo r m a t i o n . O n each page we want to show you how important you are to us, how important it is to get you top dollar for your home and how much the Deldi Ortegon Group loves the community. Every single one of us on the team has a mission to CARE about you and your family. SERVE you at the highest level possible and GIVE back to our community.

We are a team dedicated to HELPING our clients, their families, and the communities we live in and serve. Our team is a specialized group of real estate experts bringing VALUE to every sale. We are dedicated to DELIVERING the best service in the real estate industry and providing a seamless process to ensure a successful sale. Once you have reviewed this information and witnessed how effective our approach is for our clients, we trust you will want to partner with us in the sale and purchase of your home. Thank you for your consideration - we truly look forward to serving you and your family very soon.

The Deldi Ortegon Group

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THE SELLING PROCESS AT-A-GLANCE

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WE WILL HELP YOU EVERY STEP OF THE WAY

WE meet

WE

discuss an effective pricing strategy

WE

WE

provide professional suggestions regarding house repairs & improvements

WE

get an offer

WE

WE

continue to employ a personalized multifaceted marketing campaign

negotiate the offer

WE

WE

list your house

WE

begin showings & open houses

are under contract & stop showing the house

prepare your house (photography, video, virtual tour, etc)

WE

schedule the home inspection

WE

facilitate supplemental inspections

WE

oversee appraisal

WE

negotiate inspection issues

WE

transfer/ turn off utilities

WE

have final walkthrough

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WE close 5

HIGH TECH & HIGH TOUCH MARKETING EXPOSURE: SMARTER IS BETTER More exposure means more page views, more phone calls, and more showing requests, which ultimately means a shorter market time and higher selling price. Your home will be advertised on these top rated websites and many others.

VIDEO BLOGS

TRADITIONAL ADVERTISING MEETS CUTTING EDGE Our marketing approach combines the traditional advertising, and cutting edge technology to ensure smarter exposure tailored to each listing. Today’s buyers demand instant information. With the Internet, your home is open for virtual showings 24hours per day, 7 days per week, 365 days per year.

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OPEN HOUSES

E-BLASTS

WEB ADVERTISING

WEBSITES

PRINTED MARKETING

YARD SIGNS

AGENT NETWORKING

SOCIAL MEDIA

DIRECT MAIL

MLS

PRIVATE LISTING NETWORK

(MULTIPLE LISTING SERVICE)

Pricing your home to sell!

Reliability

Our listings sell twice as fast as the market average because they are priced right from the start. A quicker sale means more money in your pocket and fewer headaches. We do not make the market, we only interpret it. We will provide you a detailed market analysis based on current market conditions. Upon review, we will discuss how to price your home for the market. Don’t be one of the countless others that are rejected by buyers and end up losing money, day after day, week after week. Together we will price your home

We are here for you every step of the way. Our team will keep you informed on all facets of the listing process and communicate your options clearly and candidly. Your emails, text messages, and phone calls will be answered in a timely manner.

to sell—fast.

Our track record Ask us about our track record, it speaks volumes. We can provide you with a detailed spreadsheet of our team’s last 12-month listing/sales history. In addition, you are welcome to visit Zillow, Google and Yelp and read various customer reviews regarding our team.

Negotiation skills Our listing agents have the confidence and experience you need to negotiate the best offer for your property. Together, our team has negotiated thousands of local real estate transactions and have the knowledge to help you get your home sold.

Attention to detail Keeping the details of a real estate transaction organized can be a daunting task. Our team is up for the challenge. Your property will have its very own personalized digital folder that will contain current property information in it as we progress through the home selling process.

Where are the buyers?

Did you know that more than 92% of homebuyers start their home search online? People are searching online to save gas and time!

Many know the details of a property before they contact their Realtor for a showing appointment. Your property will be seen by more buyers in more places than any other firm in South Texas.

Innovation & exposure is important!

In addition to employing the basic methods of marketing such as posting real estate signs and using the Residential Multiple Listing Service, our listing agents spend a great deal of time using cutting edge technology to market your property. Our innovative marketing plan will expose your property to not just buyers, but the right buyers. Your buyers!

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STAGING AND PHOTOGRAPHY Getting Buyers Into Your House

HOMEOWNERS see a

great return on their investment in home staging, including more showings, faster home sales and higher offers from buyers. Home staging ensures that the home looks its best and captures the emotion of buyers, who are making one of the biggest purchases of their lifetime.

Is Staging Really Important?

LOCATION – CANNOT be changed SIZE – CANNOT be changed AMENITIES – CAN be changed CONDITION – CAN be changed

81% *

OF BUYERS SAY HOME STAGING MAKES IT EASIER TO VISUALIZE THE PROPERTY AS THEIR FUTURE HOME.

WE know that listings with pictures attract a

lot more attention than ones without. It’s vital that we make a big first impression, and pictures are the best (and sometimes only) opportunity that we will have to do just that. Every one of our listings includes a professional photography package, optimized for both print and web to show your home in the best possible light.

Chris Casperson, with Photograph RGV, is our photographer of choice. With years of experience his professionalism, attention to detail, and cutting edge techniques and technology make him an asset to sell your home.

BUYERS ARE

46% *

MORE WILLING TO WALK THROUGH A HOME VIEWED ONLINE THAT HAS BEEN STAGED.

ONCE STAGED, HOMES SPEND AN AVERAGE OF

73% *

LESS TIME ON THE MARKET 9

* THE NATIONAL ASSOCIATION OF REALTORS - 2015

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PRICING It is very important to price your property at a competitive market value at the signing of the listing agreement.

Number of Showings

Peak Activity

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Weeks on the Market

5 MAIN FACTORS IN THE SALE OF YOUR HOME LOCATION

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TIMING/MARKET CONDITIONS

PRICE

CONDITION

YOUR REALTOR

TIPS TO SELL YOUR HOME

• Remove all clutter from each room to visually enlarge them.

• Keep the yard mowed, raked, fertilized, edged, and watered at all times.

• Remove all toys, unsightly patio furniture, trash, etc., from the yard.

• Lay out fresh bark mulch in your yard.

• Expand your counter space by removing small appliances and un-needed items.

• Remove all smoke, pet, and unpleasant odors from home.

• Paint all inside walls off-white or a light khaki color.

Use two or more coats to cover bold, bright or dark walls.

• Shampoo all carpets and vacuum them daily.

• Removing old wallpaper is strongly recommended.

• Leave all bedroom doors open and lights on

• Invest in a new doormat.

before a buyer views your home.

• Put all unnecessary items in storage or invest in under-the-bed storage.

• Light a wickless candle 20 minutes before showing and place it in an out of sight area in the kitchen.

• Remove all refrigerator magnets.

• Ensure the exterior of your home is free of peeling paint.

• Install smoke alarms and CO2 detectors as needed.

• Ensure your water heater is secured properly.

• Replace burnt out light bulbs.

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MORTGAGE PROCESS Step By Step & Our Preferred Lenders

Chat With Lender a. Contact our preferred lender b. Apply for mortgage

Apply For Mortgage SAMPLE OF ITEMS NEEDED a. Two years most recent Federal Tax Returns b. Two years most recent W2 & 1099 income forms c. Two most recent pay stubs d. Birthdate(s)/Social Security Number e. Estimated balances for liquid savings and retirement accounts. f. Drivers License(s)

Contract On Your Home a. Agree on contract terms. b. Contract provided to lender. c. Lender submits file for initial underwriting. d. Underwriter issues conditional approval.

Your Loan Goes Through Underwriting a. Your home is appraised. b. All information and documentation requested by lender is provided by you. c. Your loan goes through final underwriting.

You Are Cleared To Close! a. Your loan is APPROVED and you are clear to close! b. Closing Disclosure is issued for review

Get the perfect loan for that perfect home.

Mortgage programs include: FHA • VA • USDA • Jumbo Renovation • One-Time-Close Construction & more

Contact us today to get started!

Jerry Gonzalez, Senior Loan Officer D 956.432.8481 | F 440.671.0788 Jerry.Gonzalez@myccmortgage.com HomeLoansWithJerry.com NMLS513488 Eduardo Bello, Senior Loan Officer D 737.717.0581 | M 956.605.1817 Eduardo.Bello@myccmortgage.com CrossCountryMortgage.com/Eduardo-Bello NMLS1874769 612 W. Nolana Building 500, Ste 520 McAllen, TX 78504

CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Subject property and borrower income and credit must qualify to USDA guidelines. Certificate of Eligibility required for VA loans. This office is licensed and examined by the Office of the Consumer Credit Commissioner of the State of Texas. All loans subject to underwriting approval. Certain restrictions apply. Call for details. CrossCountry Mortgage, LLC. NMLS3029 NMLS1931602 (www.nmlsconsumeraccess.org)

WHAT OUR CLIENTS ARE SAYING ABOUT US “...PROCESS WENT SMOOTH AS POSSIBLE.�

"...COMPLETELY KNOWLEDGEABLE ABOUT THE MARKET..."

Deldi and her team were nothing short of exceptional when it came to the service

Deldi has sold two houses for us now and we would not hesitate in using her again.

they provided. From beginning to end, the process went smooth as possible. The

We have recommended her many times, including to my parents who listed their

professional service she and her team provided is greatly appreciated.

house with her recently. One thing we really like about her is that she is completely knowledgeable about the market, but she is not pushy. She took time to listen to

"...RECOMMEND HER WITHOUT ANY RESERVATION..."

us and was willing to be flexible to meet our goals. We consider her a good friend.

Deldi Ortegon is very professional, sincere, and honest. She tells you what she thinks, hears you out, and works with you to decide on the best plan of action to

"...A RELENTLESS REAL ESTATE AGENT..."

sell your home. I would recommend her without any reservation to anyone who

Over the last couple of years I have had the pleasure of working with The Deldi

is trying to sell their home. Her staff was very professional, courteous, and timely

Ortegon Team. If you're looking for a relentless real estate agent who will do

in their updates. It was a pleasure having her as our selling agent. You can feel

whatever it takes tomake sure her clients receive the service they deserve, Deldi

confident and rest easy that your home is being marketed to its fullest potential

and her team will get the job done.

with Deldi Ortegon!!!

"...I WILL REPEAT, DELDI DELIVERS!!!!" "...LESS THEN A WEEK OUR HOUSE WAS SOLD."

Deldi delivers-- -- Impressed with her knowledge and professionalism. Can't go

My wife and I were very happy with the buying and selling experience with Deldi

wrong with Deldi We lived in south Texas for three years and we had a desire to

Ortegon. As soon as we signed with her, professional photos were taken of our

move back to the midwest for family reasons. Deldi was able to sell our home in

house, the listing was up, and within less then a week our house was sold. Her

just two weeks, a remarkable accomplishment considering the real estate market

suggestions were very helpful. I highly recommend her.

at the time. For this reason I will repeat, DELDI DELIVERS!!!!

"...KEPT IN TOUCH WITH US..."

"...BEST REALTORS I HAVE EVER WORKED WITH."

Ms. Ortegon was very pleasant to work with and sensitive to our needs. I was

Deldi and the rest of the Deldi team are the best realtors I have ever worked with.

impressed when she said "first things first... start packing, we're moving you out." She

They had my house in Mcallen sold within 2 weeks, they made the process easy

delivered on her promise to sell. As other agents normally sign you up and forget

and stress free. Would highly recommend the team to anyone wanting a great

about you, Deldi kept in touch with us to re-group on strategy when necessary.

Realtor with the seller and or buyer in their best interest.

Also, our house seemed to draw more frequent house showings than any other agent we worked with. Very Pleased.

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LISTING CHECKLIST • Have 2 spare keys made and ready for our MLS lockbox.

• Please read through and answer all the questions in our Sellers Property Disclosure.

• Gather any documents that may be useful in the sale of your home (i.e. survey, inspection reports, last month's utility bills, etc.).

• Please make a list of any important features you feel should be included in our marketing about your home.

• If your home is going to be vacant and you can leave a little furniture behind, the property tends to show better.

• Ensure your home is “show ready.”

• Do you have a desired location for your sign that you feel would give us excellent exposure? Feel free to let our team know and we will install it right away.

• Any current home inspections will be helpful.

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We have faith in God as we serve this community.

We put family first yours and ours.

We have fun in creating clients, then friends, for life.

FAITH. FAMILY. FUN. www.SellingMcAllen.com www.SellingSouthTexas.com Market Center 833 Ware Road McAllen, TX 78501

Agent Office 4217 N. McColl Rd. Ste 1100 McAllen, TX 78504

(956) 648-6831 Each office is independently owned and operated.